Topics: Financial ratios, State Bank of India, Banking Pages: 2 (599 words) Published: March 28, 2013
Comparative Analysis
Indian Banking

ICICI bank is India’s largest private sector bank with total assets of Rs 473647 crore. It is a full-service financial institution offering services such as investment banking, life and non-life insurance, venture capital and asset management. The bank has a wide reach in India with 2,897 branches and 10,021 ATMs including on-site and off-site ATMs. The market share of public sector banks is 73.7%, private sector banks 19.5% and foreign banks 6.9%. Go Green Initiative

The Go Green Initiative is an organization wide initiative that moves beyond moving people, processes and customers to cost effective automated channels to build awareness and consciousness of our environment, our nation and our society. As an initiative towards more environment friendly way of life, Auto loans offer 50% waiver on processing fee on car models which uses alternate mode of energy. The models identified for the purpose are, Maruti's LPG version of Maruti 800, Omni and Versa, Hyundai's Santro Eco, Civic Hybrid of Honda, Reva electric cars, Tata Indica CNG and Mahindra Logan CNG versions. Now, we have identified some parameters to compare SBI, ICICI, Axis and HDFC Bank. Parameters| SBI| ICICI| Axis| HDFC|

CAR (%)| 11.6| 18.88| 11.78| 16.3|
NIM (%)| 4.05| 2.7| 3.75| 4.1|
NPM (%)| 9.73| 16.14| 15.51| 15.93|
CASA| 48.95| 43.6| 42.2| 47.7|
MARKET CAP (RS CR)| 168,650.45| 135,273.98| 59,122.61| 157,357.95| NET WORTH (RS CR)| 83,951.20| 60,405.25| 22,808.54| 29,924.68| TOTAL ASSETS (RS CR)| 1,335,519.24| 473,647.09| 285,627.79| 337,909.49| Capital adequacy ratio is the ratio which determines the bank's capacity to meet the time liabilities and other risks such as credit risk, operational risk etc. Capital adequacy ratio (CAR) is fine with all the banks. All of them are adequately secured on this front. NIM (net interest margin) the most important number for banks...
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